Wealth management from 100,000 euros - what should you pay attention to?

You have built up a considerable amount of money, perhaps through your company, an inheritance, or years of saving. But what do you do with it? Investing it yourself feels risky, yet leaving it in a savings account means it simply evaporates due to inflation. Wealth management for amounts from €100,000 then becomes a serious consideration. But what should you look out for with such sums?

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Why Costs Matter Even More with €100,000

With smaller amounts, you hardly notice the difference in costs. But at €100,000, it becomes painfully visible. A management fee of 1% means €1,000 a year. Add to that fund costs, transaction fees, and any advisory charges, and you quickly end up paying €1,400 to €2,500 annually with traditional wealth managers.

Over 30 years, this will result in a difference of more than €130,000 in your final capital. Not because of smarter investing, but purely because of costs. With larger amounts, every tenth of a per cent counts.

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Traditional vs Digital Wealth Management

Private banks and traditional wealth managers often charge a 0.90% to 1.50% management fee, plus fund costs of 0.50% to 1.00% for active funds. While these percentages sometimes drop slightly for higher-value assets, they remain consistently higher than those of digital providers.

Digital wealth managers using index funds are much cheaper: around 0.25% to 0.50%, with fund costs below 0.20%. With Vive, you pay a 0.35% management fee and €7.50 per month. Fund costs range between 0.13% and 0.19%, with no transaction costs, and no entry or exit fees. For €100,000, this amounts to approximately €570 to €630 a year, compared to the €1,400 to €2,500 charged by traditional providers.

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The Pitfalls of Investing Large Amounts Yourself

Many private investors with six-figure wealth make the same mistakes: too little diversification, overexposure to a single sector, or holding too much cash due to uncertainty. As your wealth grows, emotion begins to play a stronger role—whether that is panic selling during market downturns or investing too aggressively when markets overheat.

A professional portfolio manager automatically diversifies your investments globally and sticks to a set strategy. Research shows that long-term behavioural discipline is more important than picking individual stocks. This is what makes the real difference, especially when dealing with larger portfolios.

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Tax-Efficient Investing from €100,000

For amounts of €100,000 or more, tax optimisation becomes highly important. If you invest in Box 3, you will pay an annual wealth tax based on a notional return. If you opt for pension investing via an annuity, your assets are exempt from Box 3, and you only pay tax upon withdrawal—often at a lower rate.

Note: This is only tax-efficient if you have an unused annual pension allowance (jaarruimte).

This consideration is crucial, especially for entrepreneurs with retained earnings, individuals who have received an inheritance, or those looking to reduce their risk as they approach retirement.

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Wealth Management from €100,000 at Vive

At Vive, the model does not change for larger sums. You pay the same low management fee, with no tiered pricing like you see at traditional banks. You receive a personalised lifecycle strategy that automatically reduces your risk as you approach your goal. Everything is clearly visible digitally via the app: returns, risk, scenarios, and costs.

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Do you want to know how this fits your situation? Check out the options for entrepreneur pensions or download the brochure for freelancers and company directors.

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